System and method for remotely initializing a RF transaction

• US 7,228,155 B2
• Filed: 10/15/2004
• Issued: 06/05/2007
• Est. Priority Date: 07/10/2001
• Status: Expired due to Term

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Saunders, Peter D.
• Primary Examiner(s): LE, DANH C
• Application Number:
  US10/711,970
• Publication Number:
  US 20060074813A1
• Time in Patent Office: 963 Days
• Field of Search: 455/558, 455/411, 455/418, 379/114.19, 379/114.21, 713/173
• US Class Current: 455/558
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The present invention relates to a process for providing a RF module configured to convert a nontraditional transaction device for traditional transaction completion. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for receiving a personalization file to enable the RF module to complete RF transactions. In an exemplary embodiment, the microprocessor is configured to receive the personalization file from a mobile device account provider subsequent to an end user establishing communication with the device account provider and notifying the provider that a RF module is to be personalized. The mobile device account provider may receive the personalization file from a RF module account issuer and provide the personalization file to the RF module via the mobile device microprocessor. In another exemplary embodiment, the mobile device may include a USB interface for use in providing the personalization file to the RF module by establishing communications between the USB interface and the mobile device account provider or the RF module account provider as required.

Claims

1. A method for facilitating remote configuration of a radio frequency (RF) module to enable the module to complete financial transactions via RF using a financial transaction account associated with an RF module account issuer, the method comprising:

a. providing the RF module, which is configured for use with a mobile device comprising a mobile device microprocessor, and configured to be in physical and logical communication with the mobile device microprocessor;

b. facilitating mutual authentication between an RF module personalization system and the RF module; and

c. transmitting personalization data from the RF module account issuer to the RF module via the mobile device microprocessor to enable the RF module to complete financial transactions via RF,

wherein the transmission of the personalization data is performed by the RF module personalization system, and

wherein the personalization data comprises financial transaction account data and an encryption key, the account data comprising an account number and an account expiration date.

2. A method of claim 1, further comprising providing the RE module with an authentication key prior to providing the RF module to the mobile device.

3. A method of claim 1, further comprising communicating with the RF module via a mobile device account issuer to facilitate mutual authentication between the RF module personalization system and the RF module.

4. A method of claim 1, further comprising communicating with the RF module to supply the personalization data via the mobile device subsequent to communicating with a mobile device account issuer.

5. A method of claim 4, further comprising verifying that the RF module is valid for personalization by the RF module personalization system.

6. A method of claim 1, further comprising providing the personalization data to the RF module via a mobile device account issuer.

7. A method of claim 1, further comprising providing the personalization data to the RF module through direct communication.

8. A method of claim 1, further comprising providing the personalization data to the RF module via a mobile device universal serial bus (USB), the mobile device USB being in communication with the RF module personalization system and with the mobile device microprocessor.

9. A computer-readable storage medium containing a set of instructions for a general purpose computer configured to:

a. facilitate mutual authentication between an RF module personalization system and an RF module, the RF module is configured for use with a mobile device comprising a mobile device microprocessor, and configured to be in physical and logical communication with the mobile device microprocessor; and

b. transmit personalization data from the RF module account issuer to the RF module via the mobile device microprocessor to enable the RF module to complete financial transactions via RF,

wherein the transmission of the personalization data is performed by the RF module personalization system, and

wherein the personalization data comprises financial transaction account data and an encryption key, the account data comprising an account number and an account expiration date.

10. A system for remotely configuring an RF module radio frequency (RF) module to enable the module to complete financial transactions via RF using a financial transaction account associated with an RF module account issuer, the system comprising:

a. the RF module, which is configured for use with a mobile device comprising a mobile device microprocessor, and configured to be in physical and logical communication with the mobile device microprocessor, the RF module comprising an RF module device database configured to store personalization data, the mobile device microprocessor configured to provide the personalization data to the RF module database for storage;

b. a mobile device account issuer communication interface configured to enable communication between a mobile device account issuer and the RF module via the mobile device microprocessor, and

c. an RF module account issuer system comprising an RF module personalization system, the RF module personalization system being configured to transmit the personalization data from the RF module account issuer system to the RF module,

wherein the personalization data comprises financial transaction account data and an encryption key, the account data comprising an account number and an account expiration date.

11. A system of claim 10, wherein the personalization data is provided to the RF module via the mobile device account issuer, the mobile device account issuer being configured to communicate with the RF module account issuer for receiving the personalization data.

12. A system of claim 11, wherein the mobile device includes a universal serial bus (USB) connector in communication with the RF module via the mobile device microprocessor for providing the personalization data to the RF module.

13. A system of claim 10, wherein the personalization data is provided to the RF module subsequent to the mobile device communicating to the mobile account issuer that a RF module is to be personalized.